ZIP 96145 Foreclosure, Tax-Lien & Distress Report

In Placer County, California, ZIP 96145 scores 25 of 100 for composite distress, a low level on DLRadar's public-record index. The pressure is most legible in construction/permit lag (58/100), structural risk (55/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (8/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (94/100), flood (NFIP) exposure (65/100). Structurally it carries 55/100, against 2/100 of stress already in motion.

The market reads contraction — home values held roughly flat year on year, and 5% higher over three years, at 12/100 phase confidence. Falling values surface more motivated sellers and below-market exits.

Owners hold 77% of homes, renters 23%. Roughly 2.8% live below the poverty line, a low share typical of higher-equity areas. The demographic-stress sub-score lands at 43/100. Rent burden reaches 32% of tenant households. At $121,875, median income runs above typical U.S. levels. Around 62% of adults hold a bachelor's degree or higher. The ZIP holds roughly 5,129 housing units. The typical home is worth about $962,600 (8.1× income, severely stretched). About 3,291 people live here, median age 42. Vacancy runs 72.1%, above the national norm and a classic distress-and-opportunity signal.

On the whole, 96145 leans distressed, with opportunity clustered in specific stressed parcels. There is no property file for 96145 at the moment; the composite and its components are still built from verifiable public records.

No ZIP is too small to score: 96145 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 25/100 composite is a like-for-like number rather than an isolated estimate. Sparse data for 96145 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 96145's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 96145 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.